The Best Mortgage Lenders in Washington, UT
Compare verified mortgage lenders serving Washington, Utah. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Washington
Featured Mortgage Lenders
Mountain America Credit Union
Mountain America Credit Union
Mountain America Credit Union is one of the most highly-rated financial institutions serving Washington County, with an exceptional 4.8-star rating across hundreds of reviews. While headquartered in Sandy, UT, they have a strong presence in Southern Utah with multiple branches in St. George serving Washington residents. They offer comprehensive mortgage services with competitive rates, particularly strong in VA and FHA loans, and are known for their personalized service and local decision-making. Their long history (founded in 1937) and deep community roots make them a trusted choice for Washington homebuyers seeking reliable mortgage financing with excellent customer service.
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Supreme Lending
Supreme Lending - St. George Branch
Supreme Lending's St. George branch serves the Washington area with exceptional 4.9-star ratings and specializes in Southern Utah real estate markets. As a mortgage broker with national backing but local expertise, they offer competitive rates and personalized service. Their team has extensive experience with Washington County's unique housing market and provides a wide range of loan options including specialized programs for first-time homebuyers. With over two decades in business and strong local presence, they're known for their responsive service, transparent communication, and ability to close loans efficiently in the competitive Southern Utah market.
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Guild Mortgage
Guild Mortgage Company - St. George
Guild Mortgage has been serving Utah communities for over six decades and maintains a strong St. George office that actively serves Washington homebuyers. With a 4.7-star rating and nearly 200 reviews, they're recognized for their expertise in various loan types, particularly strong in government-backed loans and first-time homebuyer programs. Their local loan officers have deep knowledge of the Washington County market and provide personalized guidance throughout the mortgage process. As a publicly traded company with local decision-making authority, they combine the stability of a national lender with the personalized service of a local boutique, making them a top choice for Washington residents seeking reliable mortgage solutions.
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Frequently Asked Questions
Common questions about mortgage lending in Washington, UT
Are there any special down payment assistance programs for first-time homebuyers in Washington, UT?
Yes, Utah offers statewide programs like the Utah Housing Corporation's FirstHome and HomeAgain loans, which provide competitive interest rates and down payment assistance. These programs are particularly valuable in Washington due to the area's rapid price appreciation, helping local buyers manage upfront costs. It's also worth checking with local lenders about any city-specific or county initiatives in Washington City or Washington County.
How do Washington's property taxes affect my monthly mortgage payment?
Washington County has relatively moderate property tax rates compared to national averages, which can help keep your total monthly payment affordable. The exact rate will depend on the specific location within Washington City and any special assessment districts. Your lender will factor this into your escrow account calculation, but it's wise to get an estimate from the Washington County Assessor's office when budgeting.
What is a typical down payment percentage needed for a home in Washington's competitive market?
While 20% is ideal to avoid private mortgage insurance (PMI), many buyers in Washington successfully purchase with 3-5% down using conventional loans, or 3.5% with an FHA loan. Given the high demand and competitive nature of the Washington/St. George area market, a stronger down payment can make your offer more attractive to sellers. Local lenders often work with buyers who have down payments as low as 1% through specific grant or assistance programs.
Does living in a high-desert climate like Washington, UT, affect my mortgage or insurance?
It primarily affects your homeowner's insurance, which is a component of your monthly mortgage payment. Insurers may consider factors like wildfire risk in certain foothill areas and the potential for flash flooding in washes. While this doesn't change your loan terms, securing adequate insurance is a mandatory part of the mortgage process, and rates can vary based on your home's specific location and construction materials.
Are USDA rural housing loans available in Washington, UT, given its growth?
Yes, surprisingly, eligible areas on the outskirts of Washington City still qualify for USDA Section 502 loans, which offer 100% financing (no down payment). This is a significant advantage for eligible buyers looking at properties in the more rural parts of the county. You should consult with a lender familiar with the USDA eligibility map, as the qualifying boundaries are specific and can change.
Nearby Cities
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Why Choose a Mortgage Lender in Washington?
Local Market Knowledge
Lenders who understand Washington's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Utah.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Washington and get competitive rates on your home loan.